It’s not something you ever want to think about, but disasters can strike on your wedding day. From a sudden cancellation by your dream venue to stolen gifts to irresponsible guests – who can honestly afford to gamble with the cost of an average wedding these days? The truth is, many of us can’t. But before you cancel everything and elope to Vegas, learn how to easily protect yourself from our list of top wedding nightmares!
1. Bad weather
Nightmare
You’ve dreamed of the perfect beach wedding with the ocean as your backdrop. What you didn’t plan for was a hurricane making landfall on your ideal wedding location, leaving you scrambling for an alternate location or forcing you to possibly postpone the wedding.
Solution
If you purchase wedding insurance 14 or more days prior to the date of your big event and extreme weather hits, the costs of rescheduling your event will be covered.
2. Loss of venue
Nightmare
After months of hunting for the perfect venue, you finally found what you were looking for. But, one month prior to your wedding, the venue filed for bankruptcy – leaving your event completely stranded.
Solution
If your wedding had to be cancelled at the last minute for unforeseen circumstances, wedding insurance would cover the rearrangement of the wedding or a refund of up to 100% of what you had spent on the wedding to date.
3. Unethical Photographer
Nightmare
The wedding was a success and now you can’t wait to see all of the wonderful photos of friends and family celebrating your special day. But there’s one problem. Your photographer or videographer disappears after the wedding day – taking your precious memories with him.
Solution
Wedding insurance can cover costs to retake photographs or video recording if your photographer/videographer disappears after the wedding with your wedding pictures or video, or the pictures are lost, damaged or stolen. Depending on the coverage, the policy can pay roundtrip air or auto travel expenses incurred by the bride, the groom and their immediate families and attendants, to reassemble for the wedding pictures to be retaken. It also can pay for all associated costs, such as meals and lodging while traveling, rehiring a photographer, renting a venue to stage the wedding pictures, buying a new wedding cake and flowers, and renting necessary wedding or special attire.
4. Theft or damage to wedding presents
Nightmare
You did it! You have happy guests, a gorgeous dress, and a fabulous venue. Everything is going according to plan until you look over at your gift table and realize that it’s empty! Now instead of experiencing the joy of opening your wedding presents, you’re filing a police report.
Solution
You can protect you and your guests from wedding gift grief, by purchasing wedding insurance. Gifts coverage will pay to repair or replace gifts that are lost, stolen or damaged – giving you peace of mind and protecting your guests’ generosity!
5. Irresponsible guests
Nightmare
Sometimes even the most well-intentioned wedding guest can leave common sense at the door because they are distracted by wedding festivities. Your bridesmaid wants to set the mood in the dressing room with a beautifully scented candle, but forgets to blow it out – starting a fire at the event site, or your Uncle Charlie has a few too many gin and tonics, and leaves your wedding for a quick joy ride around the block – causing a multi-car accident.
Solution
You can protect yourself with wedding insurance which can provide liability protection for losses arising from alleged bodily injury and property damage during your wedding event. It can also include supplemental defense coverage.
You have enough to worry about before, during and after your wedding day. Wedding insurance can help take a few worries off your mind so that you can enjoy your engagement and your big day!